The Big Three Credit Bureaus

If you're trying to repair your credit, you need to know the three main credit-tracking and -reporting agencies. The "big three" organizations in the following list track your credit, assign you a credit score, and report on both when requested to by a legitimate source. Check in with each annually to see where your credit stands.

• Equifax, P.O. Box 740241, Atlanta, GA 30374; phone: 800-685-1111

• Experian, P.O. Box 2104, Allen, TX 75013-2104; phone: 888-397-3742

• TransUnion, P.O. Box 2000, Chester, PA 19022-2000; phone: 800-888-4213